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Vehicle interest rates
Posted on 6/1/23 at 2:59 pm
Posted on 6/1/23 at 2:59 pm
What kind of interest rate should I expect to receive with excellent credit? My mom is shopping for a new vehicle. Her credit isn't the best, after running into some trouble in the past, but it is better than before and improving. She wants to use her credit first, but I will finance for her if the rate I'd receive is significantly better. It's been a decade since I last purchased a vehicle and haven't paid much attention to rates since then.
Thank you for any help.
Thank you for any help.
17
Posted on 6/1/23 at 3:00 pm to motoxfmx27
35.0%
Posted on 6/1/23 at 3:01 pm to motoxfmx27
0% interest, if you can't pay cash you can't afford it
Posted on 6/1/23 at 3:02 pm to Don Quixote
4% - 7% depending on credit score and length of loan
Posted on 6/1/23 at 3:02 pm to motoxfmx27
7s most likely unless there are some dealer incentives, but they usually require strong credit.
Posted on 6/1/23 at 3:03 pm to motoxfmx27
Varies by make/model/used/new. But don't expect it to be cheap regardless.
Posted on 6/1/23 at 3:04 pm to motoxfmx27
7% is about the best you’ll do right now unless it’s a manufacturer promo through their own financing arm.
Posted on 6/1/23 at 3:05 pm to motoxfmx27
5-7%
Check credit unions and local banks
Check credit unions and local banks
Posted on 6/1/23 at 3:07 pm to pwejr88
Thanks for the helpful replies. I will let her use her credit first like she wants, but I will use mine if her rates come back super high.
Posted on 6/1/23 at 3:07 pm to motoxfmx27
Bought my wife a new vehicle a few months ago. 2.9% through GM.
My credit union was running a %2.99 special that month for auto loans. I showed the sales manager at dealership this and they matched it
I have a 780 credit score.
My credit union was running a %2.99 special that month for auto loans. I showed the sales manager at dealership this and they matched it
I have a 780 credit score.
Posted on 6/1/23 at 3:13 pm to HogBalls
I got 2.6% last year from Br Telco. Today their rates are 7%….
This post was edited on 6/1/23 at 3:14 pm
Posted on 6/1/23 at 3:14 pm to motoxfmx27
quote:
but I will use mine if her rates come back super high.
Does a cosigner have to be on title?
Posted on 6/1/23 at 3:15 pm to motoxfmx27
quote:Pics of her?
My mom is shopping for a new vehicle. Her credit isn't the best, after running into some trouble in the past, but it is better than before and improving.
Maybe, with proper motivation, some discounts could be found.
Posted on 6/1/23 at 3:23 pm to soccerfüt
quote:
Pics of her?
Maybe, with proper motivation, some discounts could be found.
Your Momma sure cares about your schoolin son.
Posted on 6/1/23 at 3:32 pm to motoxfmx27
4.69% at 24 months up to 7.89 at 96 months at my credit union.
Posted on 6/1/23 at 3:33 pm to motoxfmx27
Car rates at banks and through the manufacturer are sky high right now.
I got 1.9 via my credit union on a new purchase recently, so you might check your local bank or CU.
I got 1.9 via my credit union on a new purchase recently, so you might check your local bank or CU.
Posted on 6/1/23 at 3:34 pm to Major Dutch Schaefer
3% with USAA!! But that was from 02/2020
Posted on 6/1/23 at 3:34 pm to motoxfmx27
When I bought my Tundra in 2021 my interest was 4% and that’s through tdautofinance.
This post was edited on 6/1/23 at 3:35 pm
Posted on 6/1/23 at 3:34 pm to motoxfmx27
5.49% for up to 84 months at my credit union, up from 1.99%.
Posted on 6/1/23 at 3:47 pm to motoxfmx27
I got 3.5% last summer
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